BankOS

BankOS is a bank factory for private, compliant, self-custodial stablecoin banking. A steward can launch a branded bank on Arc, configure checking, credit, yield, risk limits, and member policies, then let users join without handing custody to the operator. Members deposit USDC, receive an on-chain eligibility policy, and use private Unlink accounts for shielded balances and hidden member-to-member transfers. Public chain activity shows deposits, withdrawals, and policy outputs, while internal transfers and per-member balances stay private. The goal is to make community banking rails that feel familiar to users, but are built from crypto-native primitives: stablecoin settlement, programmable compliance, private transfers, and self-custodial wallets.

BankOS is built as an Arc/EVM app with a React frontend, TypeScript services, and Foundry contracts. The contract layer includes a bank factory, bank vault logic, a policy registry, an execution router, and a privacy pool. Arc provides the USDC settlement layer. Chainlink CRE is used for the compliance architecture: KYC and eligibility inputs are evaluated off-chain, and only the resulting policy is written on-chain through PolicyRegistry, where banks enforce deposit and credit permissions. Unlink powers the private account model: members derive private accounts, shield funds, send private transfers through the engine, and withdraw back on-chain. Dynamic is integrated for embedded wallet/passkey onboarding when a VITE_DYNAMIC_ENVIRONMENT_ID is configured, with local personas kept as a reproducible demo fallback. The backend services are deployed separately for compliance and private-balance flows, while the frontend reads contract deployments and service URLs from environment configuration.